1. School of Risk and Actuarial Studies, UNSW Australia, Australia
2. Business School, Marketing Discipline Group, University of Technology Sydney, Australia
3. ARC Centre of Excellence in Population Ageing Research, UNSW Australia, Australia
4. University of South Australia, Australia
5. Trinity College, University of Cambridge, UK, and Discipline of Finance, The University of Sydney, Australia
6. Discipline of Finance, The University of Sydney, Australia